On-line Universities and Degrees – Find the Right One for You

The first step to finding the right online university is to decide what degree you want. Do you want an undergraduate or graduate degree? Are you interested in a certificate program for work related study? If you are returning to school for work, you may want to get feedback from your employer for this decision. List your long and short term career goals to help you decide which degree will help you reach your goals best. Once you have decided on a major, you can start to research different schools.Find out the requirements for admission into the program. Each university has its own set of regulations. All schools will want to see your transcripts from high school or college. Some will ask for test scores as well. Make sure you can meet the minimum requirements for admission before you apply. Gathering the necessary documentation before beginning the application process will save time later.Distance education programs have different on campus requirements. Some require that you come to campus a few times each semester, while others allow you to complete the entire program at home. Programs offered completely online are more difficult to find, depending on the degree you are seeking. Make sure you can commit to the schedule required by the university. A program that requires you to travel to campus one or more times should be within driving distance of your home.Find out if the school you will be attending is regionally accredited. Accreditation only matters when you need financial aid or plan to transfer the credits you receive to another university. Some accept credits from schools that are regionally accredited, but others do not. Check with the college you plan on attending later to make sure the credits will transfer. If you are getting your complete degree from the same school, accreditation may not be important.Another time accreditation may matter is if you are completing a degree that will require a state license. Degrees in nursing, social work and education require licensing. Check with your state to make sure they will accept your degree for licensing. Some states won’t accept degrees from schools not recognized by the US Department of Education. Check with your school, state or Department of education to find out if the college is recognized.If you have credits you want to transfer from another school, make sure the online university you are considering will accept your credits. Have your official transcripts sent to the school for an admissions counselor to review. Ask about any restrictions the school has for transferring credits. Most colleges won’t accept more than fifty percent of the degree requirements in transfer credits. Some have a limit on the time you can transfer credits, usually ten years.Ask if the university offers credit for job or life experience. If you have extensive experience in the business world, some schools will give you some college credits for this. You may be required to show documentation of your experience or be given an exam. The requirements and number of credits offered varies by school, so be sure to ask. These credits can shorten the amount of time you need to spend in school and can help get your degree faster.

10 Key Inspection Tips for Real Estate Agents Selling or Leasing Commercial Property

When taking a commercial property to the market to either sell or lease, it is essential for the real estate agent to understand all the property details. Questioning the property owner is part of the process but should not be the only method of gathering the correct detail. Property owners will not always remember or disclose key elements of the property to the real estate agent. Local authorities and other instrumentalities are part of the property investigation.Here are some concepts and questions that can be put to the property owner and investigated prior to listing the property for sale or for lease.
How is the property currently used and is that supported and correctly detailed in the lease documentation? Review the lease document accordingly. Check out the permitted use and its relevance to the zoning of the property.
What is the current detail of the income for the property including rental, outgoings, rent reviews, and option periods? Check the tenancy schedule and the leases as part of that process.
What is the established expenditure history for the property and is it operating to budget today? This detail should also be cross referenced to the outgoings for the property. How do those outgoings compare to other property in the local area of a similar type?
What is the history of the site and the previous occupants? Has the property been involved in any orders or notices that had to be rectified, and was the remedy correctly and fully completed? As part of this process, it is wise to approach the local council and the building authority independently to see if current orders or notices are outstanding.
Are any hazardous chemicals or equipment used in the property at this time and are they controlled under particular rules, legislation, and regulations?
What are the relationships between the existing property and the neighboring properties? Ask about matters of adjoining boundary, rights of way, encumbrances, and easements. See if they are correctly displayed on the property title.
Understand how the current building complies with the existing building codes and the occupancy certificate that relates to the property. Any notices or orders should be satisfied prior to the marketing of the property for sale or for lease.
Check the matters of access to the property from all roadways. In the case of major highways, the access to the property can be limited due to regulations of entry and access at different times of day. The local council or the transport authority should have details to help you here.
Energy performance and supply of energy to the commercial property is becoming ever more environmentally critical. High inefficiencies can frustrate sale or lease of the property or premises. Energy efficiencies are questioned and required by tenants and purchasers of property. Local building authorities may have also imposed rules and regulations relating to the consumption and supply of energy; seek more detail and review the energy outgoings.
Interview the neighbours surrounding the commercial property to understand if any associated issues of conflicting property boundary, access, or usage exist.When inspecting commercial property, do so with a questioning mind and attention to detail. The findings of your inspection should be well documented for future reference and investigation.The owners of property may think that they know everything about the local precinct and the operation of their premises; this is not always the case and the astute real estate agent understands the necessity to fully and independently investigate the property prior to marketing. Mistakes can derail your marketing or future deal negotiation.

Three Common Misconceptions About Working With An Investment Advisor

Investing can be a complex affair, especially if you are not an expert in the field. However with hundreds of thousands of people making their first investments each year, it is no longer a field reserved for the seasoned professionals. However investments are a very risky business and could potentially be even riskier without a full understanding of the process and its implications. This is why many people choose to consult the expert knowledge of an independent investment advisor or broker in the initial stages.In this article, we will explore three common myths regarding the service provided by investment advisors, offering you accurate and balanced information on the matter.1. The advisor takes control of money and all decisionsA good independent investment advisor will seek to gain a good understanding of your financial situation and also your financial goals. They are likely to consider the four Ws in order to do this: why you are looking to invest, what you are hoping to do with the money, where you are looking to invest (if you have any idea) and also when you would like/hope to use the money.By gathering these facts and gaining a full picture, they will be able to advise and make recommendations accordingly. An independent investment advisor is not there to take control of your money but rather to use their expertise to offer guidance to help you invest in a way which best suits your circumstances and aspirations. They will also discuss the risk factor and they are likely to try and ascertain your tolerance for risk and expected rate of return in order to be able to make relevant recommendations.The money will remain yours and any decisions will also be your own however if you are unfamiliar with investing then seeking assistance from an independent investment advisor could help to offer guidance on a number of factors. They can advise you on what to invest in, whether to buy stocks or funds, investing for income or retirement, potential rates of return and also taxable costs of your investments.2. Only beginners need investment adviceIn actual fact, many people with existing investments turn to independent investment advisors when they are considering how to move forward. With bigger investments come greater risks therefore people often want to be as well-advised as possible.Also investors who have been lucky enough to make profits on their first investments often find themselves wanting to grow it further and therefore look to invest in different ways which an investment advisor could offer guidance on.An investment advisor is likely to analyse your existing investments and discuss your future investment aspirations in order to help make a plan for going forward.3. If I use an investment advisor, I counteract some of the risk of investingSadly this is not true. Even the most seasoned experts in the field could not deny that investing carries great amount of risks and often people who have made the greatest profits have taken serious risks along the way. An independent investment advisor could help on finding the right investment suited to your attitude to risk, but they cannot the risk of any particular investment away.Investments can be a good way of growing your money but profit is not guaranteed and is often based on things that are out of your control such as stock market movements. Therefore you should always bear in mind that you could lose all the money that you invest and be left to deal with the consequences.

A Handy Tips Guide To Traveling Overseas

The stress of planning your trip will be forgotten when you are enjoying your vacation. It can be rather hectic and crazy when trying to keep all the aspects of your travel plans straight. Read these guidelines on how to plan a trip so you will enjoy it.Always look at the expiration dates on your passports. Many countries have specific rules in place about passport expiration. Many will not allow you enter the country if it expires in a certain window of time.If you know there won’t be a place to easily exchange currency once you land in your destination country, exchange a small amount of money before you depart.It can be possible to be able to choose where you want to sit on the plane, but there are times when you can’t. After you have booked your flight, always watch the booking site to see if this option becomes available. This can enhance your trip and give you a big difference over taking whatever is available.Make sure your children are carrying some form of ID and emergency contact info.Be very cautious of any unsolicited emails that offer great travel deals.Create a packing list of the items you need to pack.If you travel with eyeglasses, pack an extra pair of eyeglasses when traveling. This provides with a spare pair if your current pair breaks or the glasses you are wearing become damaged so you will still be able to see. You may want to keep them with you, in case something happens to that bag while traveling.Always remember to tip the housekeeper and housekeeper appropriately.Don’t forget your camera: you will want for sure to have visual memories from your journey. Take many pictures of famous cities you visit, publish them on some of the best free photo sharing sites and let your friends and family know about this.A lot of people find it hard to sleep on planes as there is a lot of external noise and unfamiliar surroundings. A sleeping pill might help you to get some rest on a long flight.As you read in this article, traveling can be fun, though planning your trip can be a little stressful. You have learned how to easily plan your next trip, and you can now raise the chances that your vacation will be successful. These tips can help you to simplify and de-stress your travel experience.